The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,896
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,298
−HK$407/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,539
+HK$834/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$27,410/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,347
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,732
−HK$390/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$15,919
+HK$797/mo
Deposit HK$2.83M · loan HK$2.83M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,476
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,957
−HK$489/mo
Today · 4.125%
HK$16,446
baseline
▲ 0.50% · 4.625%
HK$17,447
+HK$1,001/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$32,892/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,217
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,678
−HK$469/mo
Today · 4.125%
HK$18,147
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$956/mo
Deposit HK$2.26M · loan HK$3.39M · min. income ≈ HK$36,294/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,055
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$570/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,355
+HK$1,168/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$38,374/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,086
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,625
−HK$546/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,287
+HK$1,116/mo
Deposit HK$1.70M · loan HK$3.96M · min. income ≈ HK$42,342/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,213
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,936
−HK$733/mo
Today · 4.125%
HK$24,669
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,501/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$49,338/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,825
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,517
−HK$703/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,655
+HK$1,435/mo
Deposit HK$566K · loan HK$5.09M · min. income ≈ HK$54,440/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$127,253 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).